Insurance for Vets

Veterinarians are doctors who tend to the diseases and treatment of animals. Some treat common household pets, while others specialise in the treatment of large farm or zoo animals. Some veterinarians specialise in a specific branch of medicine.

At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for professionals, giving both sole traders, SMEs, and large practices the protection they need.


What Insurance does a Vet need?

Minimum recommended cover can usually be arranged on a Professional Indemnity (PI) combined policy to include Buildings, Computer Equipment & General Contents, Loss of Income, Employee Dishonesty, Public Liability, Employers’ Liability and Legal Expenses.

Other covers to consider are Cyber Liability, Employment Practices Liability, Commercial Vehicle, Employee Benefits, Directors and Officers Liability, Excess of Loss/Difference in Cover.

Property Insurance

Property exposure depends on the operations. For large animal vets there is very little office exposure, as generally there is just storage of equipment, medicine and paperwork on premises. Small animal vets and clinics that perform surgeries may use flammable anaesthetic gases to help in the surgery. There is also cleaning equipment that is necessary to maintain a sterile environment. If grooming and kennelling takes place, additional exposures are added. Key questions are the use of flammable liquids, storage items, and types of animals on premises. Damage to property due to animal escape is a concern. Crematories or incinerators on premises pose additional fire hazards due to the high temperatures required to cremate animals or burn body parts.

Property Liability

Premises liability exposure is important. The customer waiting area must be kept clean of animal waste and loose animals in order to prevent slips and falls. Leashes and carriers should be required to protect the other customers and animals. Known problem animals should be given special hours to restrict them from interacting with other animals in the waiting area.

Crime Insurance

Crime exposure is from Employee Dishonesty and Money and Securities. Ordering, billing and disbursements should be handled as separate duties and audits should be conducted on a regular basis. There have been theft problems with the drug PCP as well as other pharmaceuticals. Animal anaesthetic must be kept under careful control and limited amounts should be kept on premises. Money should be deposited on a regular basis.

Employers’ Liability Insurance

Employers’ liability exposure is high due to the unpredictability of each animal. An injured animal may cause major injury to a person by attacking. All employees must be trained in restraint techniques. Problem animals should be identified so that precautions can be taken. Owners should be required to assist as needed. Animals also present a communicable disease exposure.

Products Liability

Products liability exposure exists if the vet is selling animal food and supplies. If the veterinarian modifies or sells a directly imported product, the exposure should be evaluated as a manufacturer.

Professional Indemnity

Professional Indemnity exposures are a primary concern. Veterinarians should be well-trained, experienced, and properly licensed. Employees must carry out only the procedures they are licensed to handle. Interns must be carefully supervised. The primary professional exposure is the failure to correctly diagnose and treat diseases and injuries. A complete medical history should be obtained for each animal patient, and changes in health noted. The problem is compounded for vets specialising in high-value animals, such as race horses or zoo animals. A fairly new development for veterinarians is the prospect of mental anguish claims from owners upset with the outcome or manner of care.

What other risks does a Vet face?

Other exposure results from goods held in trust exposures and owned medical equipment. A vet will often take equipment to off-site locations to perform surgeries or other treatments. Animals are considered property and, when left in the vet’s care, a bailment is created. Cover is necessary for animals as loss due to fire, windstorm, theft or other physical causes of loss would not be covered under the vet’s professional liability policy. Book Debts, Computers and Deeds and Documents– particularly patient records – also must be covered. Duplicates should be made and kept off site.

Common Exposures for Veterinary Surgeons

This document provides a summary of common exposures and potential areas that require insurance cover for veterinary surgeons.

Why not discover more about Business Insurance Service? Or simply get in touch with our services today.

How can Business Insurance Service help Vets?

Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find surgery, liability  or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.

We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.

As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.

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To find out more about insurance for Veterinary Surgery call us on 01273 789 979

Email us at hello@businessinsuranceservice.co.uk

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    We’re members of the British Insurance Brokers Association and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.